Carthage Veterinary Service, Ltd.

Carthage, IL Health careNAICS 621399

Self-funded health planPlan year 2025Renews January
527Participants-2% vs. prior year
$1.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#65 of 65Health care in ILBy participants

Overview

Carthage Veterinary Service, Ltd. sponsors a self-funded health plan that covered 527 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
527 · prior year 536
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Carthage Veterinary Service, Ltd. Health Care Plan (self Insured), plan 502 (527 participants)
Stop-loss carrier
HCC Life Insurance Company; Nationwide Life Insurance Company
Broker compensation
$38K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Nationwide Life Insurance CompanyStop-loss528$553K—
The Guardian Life Insurance Company of AmericaDental, Vision, Life664$252K$19K
Metropolitan Life Insurance CompanyShort-term disability, Long-term disability655$136K$18K
HCC Life Insurance CompanyStop-loss523$70K—

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$1.2M/ year

Estimated prescription spend: 527 participants × $2,371 national average per member. Usually higher once dependents are counted.

$32K–$80K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$9K–$24K
Lower-cost therapeutic alternatives$14K–$29K
Generic pricing vs. actual cost$6K–$18K
PBM contract terms$3K–$9K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Carthage Veterinary Service, Ltd.
Sponsor EIN
37-1077149
Plan number
502
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 37-1077149 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Carthage Veterinary Service, Ltd. Profit Sharing Plan
Type
401(k) plan
Participants
202

About this data

Source: Carthage Veterinary Service, Ltd.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Carthage Veterinary Service, Ltd..

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